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All Journal Sosiohumaniora Journal of Economics, Business, & Accountancy Ventura MIX : Jurnal Ilmiah Manajemen IMAGE JURNAL ILMU MANAJEMEN DAN BISNIS Journal of Business Management Education (JBME) Journal of Management and Business Review Economic Education Analysis Journal Jurnal Manajemen Pelayanan Publik Jurnal Manajemen Indonesia Yupa: Historical Studies Journal Sumatra Journal of Disaster, Geography and Geography Education Jurnal Moral Kemasyarakatan Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Riset Akuntansi dan Keuangan Jurnal Ilmiah Lingua Idea EKONOMIS : Journal of Economics and Business TIJAB (The International Journal of Applied Business) JURNAL PENDIDIKAN TAMBUSAI Jurnal Basicedu OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal Pendidikan Akuntansi dan Keuangan Soedirman Economics Education Journal International Journal of Economics Development Research (IJEDR) Jurnal Riset Bisnis dan Manajemen Jurnal Ilmu Administrasi: Media Pengembangan Ilmu dan Praktek Administrasi The Kalimantan Social Studies Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal of Educational Management and Innovation (IJEMI) Jendela Pendidikan Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Bisnis Net : Jurnal Ekonomi dan Bisnis These proceedings represent the work of researchers participating in The International Conference on Elementary Education (ICEE) which is being hosted by the Elementary Education Study Programme School of Postgraduate Studies, Universitas Pendidikan FOCUS: Journal of Social Studies Jurnal Riset Ilmu Ekonomi Journal Evaluation in Education (JEE) Share: Jurnal Ekonomi dan Keuangan Islam Educenter: Jurnal Ilmiah Pendidikan Journal Of World Science JIPMukjt:Jurnal Ilmu Pendidikan Muhammadiyah Kramat Djati Journal of Office Administration : Education and Practice ASEAN Marketing Journal Jurnal Basicedu Media Ekonomi Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Dinamika Akuntansi dan Bisnis (JDAB) Jurnal Ilmu Administrasi: Media Pengembangan Ilmu dan Praktek Administrasi IIJSE Jurnal Penelitian Pendidikan Indonesia EDUCENTER JURNAL PENDIDIKAN JURNAL AKUNTANSI, AUDITING DAN KEUANGAN SYARIAH Jurnal Pendidikan Progresif TRJ (Tourism Research Journal)
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Behavioral Biases in Islamic Retail Investing: The Moderating Role of Demographics Satria, Rita; Nugraha, Nugraha; Disman, Disman; Purnamasari, Imas
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v14i1.28784

Abstract

Young Muslim retail investors in the Indonesian capital market often face challenges stemming from various behavioral finance biases that can negatively impact their investment decisions. This study examines the influence of behavioral finance biases—herding, overconfidence, mental accounting, loss aversion, and status quo bias—on the investment decisions of novice Muslim retail investors in Indonesia. It further explores the moderating effects of demographic factors including generation, gender, education, and income. Using a quantitative research design, data were collected from 318 respondents through a structured questionnaire, with 310 valid responses analyzed using multiple regression and moderation analysis via Hayes’ PROCESS macro in SPSS. The results indicate that all five behavioral biases negatively affect investment decisions, and demographic variables significantly moderate these effects. These findings underscore the importance of financial education and advisory services tailored to both behavioral tendencies and Islamic financial values to support informed decision-making among young Muslim investors. Despite its demographic limitations, this study contributes to a deeper understanding of behavioral finance within the Islamic finance context.======================================================================================================== ABSTRAK - Bias Perilaku dalam Investasi Ritel Syariah: Peran Moderasi Demografis. Investor ritel Muslim pemula di pasar modal Indonesia seringkali menghadapi tantangan yang disebabkan oleh berbagai bias perilaku keuangan yang dapat berdampak negatif pada keputusan investasi mereka. Penelitian ini mengkaji pengaruh bias perilaku keuangan—herding, overconfidence, mental accounting, loss aversion, dan status quo bias—terhadap keputusan investasi investor ritel Muslim pemula di Indonesia. Studi ini juga menganalisis peran moderasi faktor demografis seperti generasi, jenis kelamin, pendidikan, dan pendapatan. Dengan menggunakan pendekatan kuantitatif, data dikumpulkan dari 318 responden melalui kuesioner terstruktur, dengan 310 data valid yang dianalisis menggunakan regresi berganda dan analisis moderasi melalui PROCESS macro dari Hayes dalam SPSS. Hasil penelitian menunjukkan bahwa kelima bias perilaku berpengaruh negatif terhadap keputusan investasi, dan variabel demografis memoderasi pengaruh tersebut secara signifikan. Temuan ini menekankan pentingnya edukasi dan layanan konsultasi keuangan yang disesuaikan dengan kecenderungan perilaku dan nilai-nilai keuangan Islam untuk mendukung pengambilan keputusan yang lebih terinformasi di kalangan investor Muslim muda. Meskipun memiliki keterbatasan pada fokus demografis, penelitian ini memberikan kontribusi terhadap pemahaman yang lebih mendalam mengenai perilaku keuangan dalam konteks keuangan Islam.
The Impact of Fintech, Sustainability Banking, and Natural Resources on Environmental Sustainability Maulana, Yasir; Nugraha, Nugraha; Disman, Disman; Sari, Maya; Jahidah, Nurul Siti
Jurnal Riset Ilmu Ekonomi Vol. 5 No. 1 (2025): Jurnal Riset Ilmu Ekonomi (JRIE) Edisi April 2025
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrie.v5i1.261

Abstract

This study aims to analyze the role of FinTech, sustainable banking, and natural resource revenues collectively influencing environmental outcomes in the ASEAN Plus Three region is still scarce. This study uses panel data regression analysis covering nine ASEAN Plus Three countries over the period 2017 to 2021. The findings provide evidence of the significant influence of FinTech, Sustainable Banking, and natural resource revenues derived from sustainable environmental development activities in Plus Three economies. FinTech has a very negative effect on environmental outcomes. In contrast, sustainable banking does not show a statistically significant effect. Natural resource revenues are positively related to environmental degradation. These results highlight the importance of implementing low-carbon technologies to meet carbon neutrality targets in ASEAN Plus Three countries. The findings offer empirical insights for policymakers to prioritize green technologies, reassess fintech's environmental footprint, and strengthen the sustainable banking framework.
The impact of innovative behavior and job satisfaction on lecturer performance at the university of Southeast Sulawesi Hamid, Abdul; Yuniarsih, Tjutju; Disman, Disman; Santoso, Budi
Educenter : Jurnal Ilmiah Pendidikan Vol. 4 No. 2 (2025): Educenter: Jurnal Ilmiah Pendidikan
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/educenter.v4i2.1477

Abstract

The performance of lecturers at the university level is very important to achieve goals, such as creating quality learning and developing a curriculum that provides equal opportunities for all students. Therefore, it is very important to examine the influence of innovative work practices and work ethic on lecturer performance. The purpose of this study is to understand and analyze the relationship between innovation and performance and the quality of lecturer performance. This study also seeks to identify relevant intervention models and work processes that have an impact on lecturer performance. Researchers in this study used a Likert scale questionnaire to collect data from 350 lecturers, who then took samples using the Slovin method, so that the total sample became 78 lecturers. The results of the study showed that innovative behavior significantly influenced the performance of lecturers at universities in Southeast Sulawesi. Furthermore, job satisfaction has a positive and significant effect on lecturer performance at universities in Southeast Sulawesi. It can be concluded that innovative behavior and job satisfaction affect lecturer performance.
The Moderating Effect of Firm Size on the Relationship Between Environmental, Social, and Governance Factors and Firm Value: Evidence from Asia Yuliyanti, Leni; Solikin, Ikin; Disman, Disman; Mulyana, Dendi
Jurnal Dinamika Akuntansi dan Bisnis Vol 12, No 1 (2025): March 2025
Publisher : Accounting Departement Economics and Business Faculty Syiah Kuala University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jdab.v12i1.39175

Abstract

This study investigates the influence of environmental, social, and governance (ESG) factors on firm value, focusing on companies in Asia from 2019 to 2022. Using a quantitative approach with a sample of 919 companies (resulting in 3,676 observations), this study employs moderated regression analysis (MRA) to examine the relationships. The findings reveal a significant impact of ESG factors on firm value, highlighting their relevance in the contemporary business landscape. Moreover, this study identifies a crucial yet underexplored aspect: the moderating role of firm size in the relationship between ESG factors and firm value, particularly within the Asian context. The results suggest that while ESG factors are universally influential, their effects may vary depending on firm size. These findings contribute to a deeper understanding of corporate sustainability practices and align with key theoretical perspectives, including signaling theory, stakeholder theory, and legitimacy theory. The study underscores the importance of transparent communication and ESG disclosure in enhancing firm value.
The Impact of Digital Technology Transformation on Lecturer Performance in Higher Education: An Innovation Diffusion Perspective Hamid, Abdul; Yuniarsih, Tjutju; Disman, Disman; Santoso, Budi
Journal Evaluation in Education (JEE) Vol 6 No 2 (2025): April
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jee.v6i2.1526

Abstract

Purpose of the study: This study aims to analyze the impact of digital technology on lecturers’ performance in higher education institutions. The analysis focuses on five key indicators: learning enhancement, teaching effectiveness, academic leadership, infrastructure readiness, and the availability of syllabi and lesson plans. Methodology: A mixed-methods approach was adopted, involving both quantitative and qualitative data collection. Questionnaires were distributed to 64 lecturers, and semi-structured interviews were conducted with selected participants. The instruments assessed lecturers’ attitudes, behaviors, and the extent of digital technology adoption across teaching, research, and community service activities. A Likert scale was used to measure the level of digital technology acceptance. Main Findings: The findings show that although many lecturers are still in the process of understanding and adapting to digital transformation, the use of digital technology has significantly improved their effectiveness and efficiency. It has also increased learning flexibility and student engagement through more interactive and accessible educational environments. Key supporting factors identified include institutional infrastructure, academic leadership, and supportive policies. Novelty/Originality of this study: This study contributes to the growing body of knowledge by exploring the multifaceted influence of digital technology on lecturers' performance. It highlights the critical role of institutional support in facilitating sustainable digital integration in higher education, particularly in the Indonesian context.
Collaborative Model Strategy Through Co-Innovation and Government Empowerment Programs to Enhance Regional Performance in Poverty Alleviation in West Java Yakin, Cecep Nurul; Rahayu, Agus; Disman, Disman; Wibowo, Lili Adi
Jurnal Manajemen Pelayanan Publik Vol 9, No 2 (2025): Jurnal Manajemen Pelayanan Publik
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/jmpp.v9i2.62789

Abstract

This study aims to provide an in-depth analysis of the influence of collaborative strategy, co-innovation, and empowering government on regional performance in poverty alleviation in West Java. Addressing empirical, theoretical, and research gaps, the study seeks to bridge existing literature by examining these relationships in a context where prior research is limited. Employing a descriptive and verification design with a quantitative approach, data is collected through questionnaires distributed to the Poverty Alleviation Coordination Teams (TKPKD) across 27 regencies and cities in West Java. The study utilizes non-random quota sampling and processes the data using Partial Least Squares Structural Equation Modeling (PLS-SEM) to ex-plore both direct and mediated effects among the variables. The anticipated results suggest that collaborative strategy positively influences re-gional poverty alleviation performance, both directly and indirectly through the me-diating roles of co-innovation and empowering government. Additionally, the study expects to reveal that geopolitical factors, government policies, and bureaucratic leadership significantly shape the implementation of collaborative strategies in the region. This research makes a novel contribution by addressing a significant empirical gap in the study of collaborative strategies in poverty alleviation within West Java.
Moderation Study In the Influence of Neurotransmitters on Investment Bias in Female Investors in Indonesia Lestary, Lena; Nugraha, Nugraha; Sari, Maya; Disman, Disman; SA, Erik
Journal Evaluation in Education (JEE) Vol 6 No 3 (2025): July
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/jee.v6i3.2022

Abstract

Purpose of the study: This study aims to meticulously explore the moderating effect of financial literacy on the influence of neurotransmitters on investment bias. As a pioneering effort in behavioral finance, this research highlights cognitive and psychological aspects of investors, focusing specifically on female investors, and represents the first study to integrate financial literacy as a moderating variable in the context of neurotransmitter effects. Methodology: A quantitative approach was employed, targeting female stock investors in Indonesia. Purposive sampling was used alongside a semantic differential scale. Data were collected through the distribution of closed-ended questionnaires, preceded by instrument testing and a pre-survey. A total of 581 respondents participated, and data were analyzed using Structural Equation Modeling (SEM) Main Findings: The main findings reveal that financial literacy negatively affects investment bias, indicating that greater financial knowledge tends to reduce behavioral bias. However, even financially literate individuals may still exhibit bias. Furthermore, neurotransmitter activity shows a significant positive effect on investment bias, suggesting that biological factors amplify biased decision-making. Importantly, financial literacy significantly moderates this relationship in a negative direction, meaning that higher levels of financial understanding weaken the influence of neurotransmitters on investment bias. Novelty/Originality of this study: This research contributes novel insights to the development of behavioral finance theory by introducing financial literacy as a moderating factor in the biological–psychological pathway influencing investment behavior. The practical implications highlight the critical role of financial education in reducing behavioral biases in investment decision-making, especially among female investors.
Destination Quality and Tourist Loyalty: The Role of Destination Value as Mediating Variable Suprina, Rina; Dhana, Irgi Resa Widia; Gaffar, Vanessa; Disman, Disman; Kusumah, AHG
Jurnal Penelitian Pariwisata Vol 8 No 2 (2024): (TRJ) Tourism Research Journal
Publisher : Institut Pariwisata Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30647/trj.v8i2.262

Abstract

This research analyzes the influence of destination quality and destination value on tourist loyalty in the city of Bandung, Indonesia, and tests whether destination value mediates the relationship between destination quality and tourist loyalty. The type of research chosen is quantitative with a descriptive verification approach using SEM PLS. The population for this research is domestic tourists in the city of Bandung. From the analysis of 196 respondents, the majority were women, aged 18-25 years, and had a high school education. The results show a high assessment of the quality of eating places and the level of tourist loyalty. Public transportation accessibility received a low rating, and the lowest average score on the Time Value Variable. Hypothesis analysis shows a positive and significant influence between destination quality and tourist loyalty. Apart from that, there is a positive and significant influence between destination quality and destination value, and between destination value and tourist loyalty. The findings show that destination value mediates the relationship between destination quality and tourist loyalty, emphasizing the importance of strengthening destination value elements to increase tourist loyalty in Bandung City. Keywords: destination quality, destination value, tourist loyalty, urban tourism, city branding
The Mediating Role of Risk Perception in the Relationship between Risk Propensity and Investment Decisions among Millennials in Indonesia Solihat, Asri; Nugraha, Nugraha; Disman, Disman; Waspada, Ikaputera
MIX: JURNAL ILMIAH MANAJEMEN Vol 15, No 3 (2025): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2025.v15i3.004

Abstract

Objectives: This study aims to explore the relationship between risk propensity, risk perception, and investment decisions among millennials in West Java, Indonesia. The study particularly examines how risk perception mediates the relationship between risk propensity and investment choices.Methodology: A purposive sampling method was used, with 500 respondents from the millennial generation, aged 24-39 years, who have at least one year of experience in investments. The data was collected via online surveys and analyzed using correlation and mediation analysis with Process v.34 by Andrew F. Hayes.Findings: The results demonstrate that risk propensity has a direct positive effect on investment decisions. Additionally, risk perception significantly mediates the relationship between risk propensity and investment decisions. Millennials with higher risk propensity tend to make more risk-taking investment decisions, but the level of their risk perception influences the final decision-making process.Conclusion: This research contributes to a deeper understanding of how risk behaviors, particularly risk propensity and perception, shape investment decisions among millennials. It provides valuable insights for investors and practitioners in the field of digital investment, suggesting that fostering better risk perception could lead to more informed investment decisions.
Risk Management Analysis To Improve Employee Performance At Pt Solusi Bangun Indonesia Tbk Cilacap-Central Java Zaelani Adnan, Ahmad; Agung Pribadi, Farkhan; Ahman, Eeng; Disman, Disman; Yuniarsih, Tjutju
Journal of World Science Vol. 1 No. 2 (2022): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (146.279 KB) | DOI: 10.58344/jws.v1i2.13

Abstract

Currently, the industry in Indonesia is experiencing very rapid growth. Rapid industrial growth must balance efforts to control the possibility of potential hazards in the workplace. In Indonesia, occupational safety and health have a solid legal basis. All parties must implement them, whether workers, organizations or other related parties, to protect all parties. One of the efforts made to prevent hazards in the workplace is to improve occupational safety and health standards by implementing hazard identification and risk assessment. The study aims to analyze risk management to improve employee performance. It uses the direct observation method, namely by obtaining data directly at the company, and the literature study method, which gathers information by collecting literacy and reviewing the literature results based on the facts. When the risk is successfully suppressed as small as possible, it can reduce the potential danger posed and provide a sense of security and improve employee performance and productivity in working in the company. Risk Management on the employees' performance in PT Solusi Bangun Indonesia Tbk, Cilacap-Central Java, has a substantial and significant influence. It is hoped that further researchers can use the study result as reference material for research related to job satisfaction and information or complementary studies.
Co-Authors Abdul Hamid Abdul Hamid Ade Sobandi, Ade Adman, Adman Adriani, Deni Afifah, Silvi Nur Agung Pribadi, Farkhan Agus Rahayu Agustira, Deden Ahmad Fuad Ahman , Eeng Aldila Krisnaresanti, Aldila Alghifari, Erik Baihaqqy, Mochammad Rizaldy Insan Bansah, Pearl Fafa Chairul Furqon, Chairul Chatarina Umbul Wahyuni Dabi, Rowland Dabi, Rowland Seyram Koku Dadang Sundawa, Dadang Dahlan, Dadang - Dematria Pringgabayu Dewi Mayangsari Dhana, Irgi Resa Widia Dini Turipanam Alamanda Dwi Budi Santoso Edi Suryadi, Edi Edutivia Mardetini, Edutivia Eeng Ahman, Eeng Eeng Ahman, Eeng Ahman Effendy, Femmy Ekarini, Mira Indriyulia Elly Malihah Enok Maryani Erlina Wiyanarti Ersis Warmansyah Abbas Euis Bandawaty Fauzi, Ghani Muhammad Fazar, Fazar Nuriansyah Firdausi Sulaksana, Ratu Dintha Insyani Zukhruf Grisna Anggadwita Halimatusyadiah, Hema Hari Mulyadi, Hari Harun, Muhammad Fiqri Hendayani, Santi Hennika, Sandra Aulia Heny Hendrayati Hilmiatussad, Kinanti Geminastiti Idrus Affandi Ikaputera Waspada, Ikaputera Ikhsan, Sugiyanto Imania, Inten Noor Imas Purnamasari Imbragia, Sindi Tasya Islamiyah, Zakiyah Tsauroh Ismeirita, Ismeirita Jahidah, Nurul Siti Kokom Komalasari Krishna Yuliawati, Ayu Kristanto, Kiki Kusumah, AHG L. Lisnawati Lazuardi Imani Hakam Leni Yuliyanti, Leni Lestary, Lena Lili Adi Wibowo Lisnawati Lisnawati Luckyardi, Senny M. Arief Ramdhany Marry, Marry Maya Sari Mayasari Mayasari, Mayasari Mirza Desfandi Muchtar, Muhammad Mulyana, Dendi Mustajab, Wahyu Mutiani Mutiani Nana Supriatna Nanang Fattah Novianti, Silvia Nugraha Nugraha Nur, Lutfi Pandikar, Andri Soemitra Ernandia Pandikar, Ernandia Panggabean, Romli Jumpai Pinayani, Ani Poy Saefullah Zevender Pratiwi, Rani Tania Puspo Dewi Dirgantari Ratih Hurriyati Rd. Dian Herdiana Utama, Rd. Dian Herdiana Rennyta Yusiana Rian Andriani, Rian Rina Suprina Rofi Rofaida Rosita, Ai SA, Erik Salim, Amalia Nabila Samsi Samsi Sari, Mia Zultrianti Satria, Rita Siti Nurbayani Siwi, Andinna Mega Sobandi, Sobandi Solihat, Ai Nur Solihat, Asri solikin, ikin Sundusiah, Sundusiah Sutarto Hadi Suwatno Suwatno Syamsul Hadi Senen, Syamsul Hadi Tjutju Yuniarsih, Tjutju Ujang Suherman, Ujang Suherman Vanessa Gaffar Waruwu, Fotuho Wirachman, Rony Yakin, Cecep Nurul Yasir Maulana Yeliawati, Ayu Krishna Yogaswara, Andrey Satwika Yuliani, Shahibah Zaelani Adnan, Ahmad